What is Caps (Payment)? Answer: Consumer safeguards may limit the amount monthly payments on an adjustable-rate mortgage may change. Because they do not limit the amount of interest the lender is earning, they may cause negative amortization. More Questions on Mintrates: What is Abstract of title? What is Acceleration Clause? What is Accrued interest? What is Additional Principal Payment? What is Additional Principal Payment? What is Adjustable rate?